Jump to content

  • Tweets

  • Posts

    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
    • Britain faces new challenges from an older and sicker population, according to a new report.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Anyone had dealings with Calder Financial?

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5351 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Couldn't find anyone registered with the ICO as debt collectors under that name.






Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

By the way; there are 209 businesses registered at that address


Right dodgy bunch if my research is anything to go by- Company has NO directors listed, nor does it have any financial returns...Why do you want to know about them ?

Just hate every DCA out there

Link to post
Share on other sites

Oooo I wonder if this means I'll be getting a letter from them.

Another on to add to my B'card list.

So far I've had Mercers, RMA, NCO, Credit Security.

I could do with another "challenge" ;)

Be VERY careful whose advice you listen too

Link to post
Share on other sites

Another day another set of jokers.


Credit Solutions for another BCard account with a fag packet application form.


Can you add them to your list CB



Name & Registered Office:






Company No. 05919672


spacer.gifspacer.gifspacer.gifspacer.gifStatus: Active

Date of Incorporation: 30/08/2006


Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

None Supplied

Accounting Reference Date: 31/08

Last Accounts Made Up To: (NO ACCOUNTS FILED)

Next Accounts Due: 30/06/2008

Last Return Made Up To:

Next Return Due: 27/09/2007

Previous Names:No previous name information has been recorded over the last 20 years.Branch Details There are no branches associated with this company.Oversea Company Info There are no Oversea Details associated with this company.

Link to post
Share on other sites

  • 2 months later...
  • 1 month later...
  • 7 months later...

I used to deal with mersers fiancial company and now my debt has been passed onto calders.The prob is they have offered me a gud package,where as i pay them a lump sum in one week and they will closed my account foreva.Has anyone else payed off their account in this way and do calders stick to their end???are they a real company as ive had no letter off them just a fone call.

Link to post
Share on other sites

  • 10 months later...

Hi this is my first post in regards to Calders.

Having read through Patma's long and exhaustive fights with Barclaycard/Mercers/Calders it would appear that it may be best to let them take you to court to recover the debt rather than set something up with them as they do not appear to record anything correctly. I have recently got into financial difficulty and have received threating letters from Calder's, I wrote to them with a monthly payment plan back in June, no response. Is it even worth me actually bothering and just wait for them to actually take court action? Also, I have noticed a lot about not signing any documention, why is this? Thanks for you help.

Link to post
Share on other sites

Hi this is my first post in regards to Calders.

Also, I have noticed a lot about not signing any documention, why is this? Thanks for you help.


Some DCA's have allegedly copied and pasted signatures onto allegedly made up documents.


Link to post
Share on other sites

  • 3 weeks later...

My problem is not so much with Calder as with Barclaycard who have passed my account onto them. I have letters from Calders and agents calling at my door to collect, despite the fact that I have in fact paid Barclaycard.

My last payment to them left my bank account by bank transfer on 10th July but was not credited to my BC accoint until 30th July after Calders got involved. I then found that 4 other payments made to BC this year have gone missing.


Tried to speak with some one at 'Customers Service' which of courses is diverted to a number in India where I could get no sense or help. Was promised that a senior person would call me back but still waiting after a week. Sent four emails to their secure email address but have not had even one response. Tried email direct to them but all I get back is standard reply telling me to use the secure address. I reply saying I have done that and thats the last I hear. Tried in vain again to contact what they call 'customer services' but this time am told that I have answered the security question wrongly so have to call into a BC center to progress. I DID HOWEVER GIVE THE CORRECT INFORMATION.


Does any one have a UK number that will be answered in the UK by some one who can help?

Link to post
Share on other sites

Hello Barclaycard NON-service!


Welcome to CAG.


OK, the first thing to understand is Calder Financial are Barclays Bank plc. It is just their way of hiding behind various names to try and distance themselves from the grubbier end of their business, i.e. Debt Collecting.


One end creates the Debts, the other end harasses people to collect on the Debts when people hit snags. But it's all the same business. Long story, but Calder Financial is a Trading Name of Mercers Debt Collections Limited, who are owned by Barclays Bank plc, and Barclaycard is just a Trading Name of Barclays Bank plc.


If anyone has arrived to bang on your door, then it will be an agent acting on behalf of Barclays, usually ScotCall Limited or Power2Annoy (Power 2 Contact Limited). The people who visit have zero power, and are just blunt tools that Barclays uses to extend its grubby reach to your home. The intention is to scare you into paying, nothing less.


Read CAG, and check out as many Barclaycard Threads as you can, and read how things have worked out for others. Once you have spent a few hours reading, you'll soon get a handle on how this works, and what to expect.


It may be an idea to start your own Thread if you need specific help beyond this.


I would avoid calling them, because they will just mess you around. Indeed, I would try to forget the telephone exists as far as bankers and DCAs are concerned. It is invariably bad news using the telephone, because it is not accountable, and they have a nasty habit of expoilting that to their advantage.


Keep them at arm's length from now on, and that means keep it all in writing. Send everything via Special Delivery, and make sure you keep all envelopes in which they send you any letters. The envelopes can help to pin-point Legal Date of Service of certain things, so get into the habit of keeping every single one from now on.


Once you have digested the above, then your next step is to establish where you are with them in terms of the Agreement that binds you to paying them lots of interest. You need to decide how you want to handle this, and if you will need to send them a s78(1) Request to see a true copy of your properly executed Regulated Credit Card Agreement. That costs just £1, plus delivery via Special Delivery, and they then have 12+2 Working Days to respond, failing which they are constrained from doing anything else whilst they remain in default of your Request because of s78(6).


Barclays will try to duck that by sending you basic Terms, but read CAG and you will soon see what their game is.


This link is worth bookmarking:


The Consumer Credit Act 1974


Click on the various sections to read what the Act says, such as s78 for example. There you can read what s78(1) and s78(6) say.


There are suitable letters on CAG to fire a shot across Barclay's boughs to stop them from sending any further agents around to harass you. I would add suitable paragraphs to your next letter to Barclays, making it clear that they should keep everything in writing, and to tell them not to harass you, or trespass on your property.


Finally, when writing to them, I would always send all key letters straight to the top, i.e.:


The Company Secretary

Barclays Bank plc

1 Churchill Place


E14 5HP

That is the primary contact at Barclays for the service of documents, and the address is their Registered Office. They will know where to route the letter from there, that's their job, and they have their own internal mail system, so do not worry about the letter not getting to the right person. Once it has been delivered, and signed for, the internal routing is their problem, not yours.


I hope this helps.




Link to post
Share on other sites

Hi and thanks for that. I am sending a letter to their Registered Office today so will see what happens. One other question: As my problem is not that I can't pay them but that I HAVE paid and they have not credited my account, is there any other action I should take? I have had it confirmed by my bank that the payments have been made to Barclaycard.

Link to post
Share on other sites

one way of finding out all the information they hold including payments is to send them a sar this cost 10 quid and there are templates on the site for this



Guys, just for the record, this is the advice I have been given from my case officer at Payplan regarding Calder Financial


"Thank you for your e-mail. Calder is well known at Payplan. They are a chase department within Barclaycard which will usually try to convince the client to make more payments by resorting to empty threats such as doorstep collection or legal action. Payplan has no record of legal action ever taken by Barclaycard, and a visit of one of their powerless representatives is extremely rare. You may disregard any communication coming from Calder, or their other chase department Mercers. Barclaycard should be about to accept the offer of repayment for your account (which is far above their minimum required of £5.00 a month), and they usually stop chasing the client right after acceptance."

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...